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tipstoretireearly profile image

tipstoretireearly

Apprenticeship Alum

Joined 6 years ago from New York

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I retired early from a first career as an electrical engineer and a second career as a patent attorney. As an electrical engineer, I developed and tested oceanographic sensing systems, combat control systems for U.S. Navy submarines, and engine control systems for commercial and military aircraft. As a patent attorney, I worked at a large private law firm where I helped my corporate clients protect their intellectual property, and then worked in-house for a large multi-national technology-focused corporation where I provided intellectual property advice and started an in-house patent practice.

My wife and I have raised two wonderful children, and are on the verge of becoming empty nesters (along with our elderly dog, a gentle smooth-coated collie). We've had the opportunity to live in states across the country, and we enjoy vacationing whereever there are good bagels and coffee. I have a lifetime interest in financial and retirement planning, and enjoy helping people find practical and creative ways to meet their financial and life goals with their available resources.

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    How the Affordable Care Act Will Help Early Retirees

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    Finding affordable health insurance is one of the biggest obstacles for people wishing to retire early. The Affordable Care Act will help eliminate this obstacle.

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    Covered California Health Insurance Exchange

    5 years ago

    California has the highest number of uninsured residents in the US, with 7.3 million in 2011. Covered California promises to change that.

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    Health Care Reform to Free Employees from Job-Lock

    5 years ago

    Millions of American employees are locked into their jobs because of employer-provided health insurance. Health care reform will free these employees from job-lock in 2014.

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    Will I Get a Tax Credit Under Obamacare?

    5 years ago

    Starting in 2014, millions of people will get tax credits to purchase individual health insurance under Obamacare (aka "the Affordable Care Act"). Will I get a tax credit under Obamacare?

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    How to Sell Baseball Cards

    5 years ago

    A 1955 TOPPS Sandy Koufax baseball card recently sold on eBay for a cool $1000. Do you have a hidden treasure gathering dust in your old baseball card collection?

  • Application for Health Insurance under Affordable Care Act
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    Application for Health Insurance under Affordable Care Act

    5 years ago

    The latest draft of the application for health insurance under the Affordable Care Act is 21 pages long. Its instructions are 61 pages long. Keeping organized will be key to completing it.

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    Best Financial Podcasts on iTunes

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    How to Purchase Gold Bars

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    Lower Car Insurance by Taking Defensive Driver Course

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    10 Signs that Income Taxes are Too Complicated

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    How Much Are Super Bowl Tickets?

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    Price of 2014 Winter Olympic Tickets

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    Cost to Attend the 2014 Winter Olympics?

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    U.S. States That Do Not Collect Income Tax

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    How to Get Tickets to see the Red Sox Baseball Team

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    What is a Housing Bubble?

    5 years ago

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    How to Lower Your Annual College Costs

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    How to Create a Diversified Portfolio for Investing

    5 years ago

    A diversified investment portfolio reduces risk by investing in different asset classes that are unlikely to move in the same direction. Creating one is easy, but avoid these pitfalls.

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    What Will Apple Do Next?

    5 years ago

    Apple Inc. is famously secretive about its future product plans. One perfectly legal way to gain insight into its future product plans is to analyze its published patent applications.

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    The Cost of Homemade Yogurt

    5 years ago

    Making delicious, healthy and inexpensive homemade yogurt is simple.

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    Sell Used Textbooks Online for More

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    No Risk Investments

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    My Panera Card Review

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    What Does My 401k Cost?

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    1

    How to Reduce 401k Fees

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    How to Sell an Old Cell Phone

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    Target REDcard Review

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    How to Win Super Bowl Tickets

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    Super Bowl 2013 tickets are expensive. With the cheapest tickets selling for $2400 each on StubHub, most of us can't afford to attend. But we can dream, and there's one way we can still afford to go. We just need enough luck to win tickets. Here are ways to win Super Bowl 2013 tickets.

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    Disadvantages of Budgeting

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    Budgeting is like dieting. It works very well for self-disciplined people who are organized and committed to getting their financial houses in order. It doesn't work so well for the rest of us.

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    How to Pick Investments in Your 401k

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    Your retirement will depend on how well you manage your 401k. By doing it right, you can grow your 401k to help insure it will support the retirement you're dreaming of.

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    Earning a Dollar a Day

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    A common goal among people looking to make extra money is to earn a dollar a day online. Yet this certainly isn't enough extra income to make us rich, and for many people it will barely boost their standard of living. So why do so many of us put so much effort into earning a dollar a day?

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    Directory of Health Benefit Exchanges

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    The Affordable Care Act requires the creation of an online health benefit exchange in each state. The exchanges must be able to enroll consumers by October 1, 2013 for coverage starting January 1, 2014. The progress of the states in meeting the deadlines differs widely across the country. This...

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    Starbucks Metal Card and Prestige Pricing

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    Why did 5000 people jump at the chance to pay $450 for a Metal Starbucks Card with a preloaded value of only $400? And why have dozens of other people engaged in bidding wars to pay as much as $1249.99? There are two possible answers: prestige pricing, and "The Greater Fool Theory".

  • Health Benefit Exchanges
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    Health Benefit Exchanges

    5 years ago

    A staggering 48.6 million Americans had no health insurance in 2011. Millions of others suffer from "job lock" because they fear losing their health insurance if they leave their current jobs. All of these Americans will soon have a new option for obtaining affordable health insurance coverage.

  • Health Insurance Exchanges and the Affordable Care Act
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    Health Insurance Exchanges and the Affordable Care Act

    5 years ago

    Starting in 2014, state-based health insurance exchanges will make it easier for individuals and small businesses to buy affordable health insurance. The exchanges will act as one-stop marketplaces to allow customers to find and compare health plans, select among standardized coverage options, find...

  • Insurance You Don't Need
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    Insurance You Don't Need

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    Best Personal Finance Books

    5 years ago

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  • Survive Stock Market Volatility
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    Survive Stock Market Volatility

    5 years ago

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    Family Gift Ideas for Safety

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  • Waste Less Food to Save $100 a Month
    20

    Waste Less Food to Save $100 a Month

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    The average family of four wastes 25% of its purchased food, worth $1,365 to $2,275 annually. Thus, the average family can save $100 a month (or more) by wasting less food.

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    Small Business 401k Plans: Falling Short

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    Small business 401k plans often fall short due to their relatively large fees. Over the course of a working career, employees of small businesses may pay more than $100,000 in 401k fees than their counterparts who work for large companies.

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    Wegmans Review

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    Can I Still Retire?

    5 years ago

    Since 1935, senior citizens have supported themselves using a three-legged retirement income stool consisting of Social Security, pensions and savings. All three legs of this stool are under assault.

  • What Are Smartphones Used For?
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    What Are Smartphones Used For?

    5 years ago

    The average cost of a two-year smartphone contract including data, texts and minutes is $2,100. That two-year average cost climbs to $3,400 after adding in taxes, overage charges and miscellaneous fees. Considering what we use our smartphones for, does it make sense to spend an average of $1,700...

  • What is Windstorm Insurance?
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    What is Windstorm Insurance?

    5 years ago

    Windstorm insurance is a special type of property-casualty insurance that protects policyholders from damages caused by windstorms. It is often offered as a rider to a standard homeowners insurance policy. Homeowners need to carefully consider the specific language of this rider as it may make...

  • How to Prepare for Snow
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    How to Prepare for Snow

    5 years ago

    By taking a few simple preparations before it snows, we can enjoy the snow rather than worrying about getting the car out of the driveway or dealing with the snow on the roof.

  • How to Increase Your Savings
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    How to Increase Your Savings

    5 years ago

    You can take many actions to increase your savings. Some actions may--oddly--improve your lifestyle, others will have little impact, and still others will require short-term sacrifice.

  • Virgin Mobile Phone Plans Review
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    Virgin Mobile Phone Plans Review

    5 years ago

    By selecting the right cell phone plan, Virgin Mobile's customers can save substantial money compared to what they would have paid to the leading contract cell phone providers such as AT&T and Verizon. They can also avoid being stuck in a long-term contract for years to come.

  • Will the Price of Milk Double?
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    Will the Price of Milk Double?

    5 years ago

    Your morning bowl of cereal may become a victim of our dysfunctional Congress. Due to Congress' inability to agree on a renewal of the Farm Bill, the average price of milk may more than double to over $6 per gallon in 2013!

  • How to Pick a Good Stock to Invest In
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    How to Pick a Good Stock to Invest In

    5 years ago

    Picking a good stock to invest in involves finding a stock likely to outperform the market. Yet the efficient market hypothesis says its impossible to beat the overall market on a risk-adjusted basis because the financial markets efficiently set stock prices at levels reflecting all relevant...

  • How to Prepare for Rain
    4

    How to Prepare for Rain

    5 years ago

    The best thing to do during a rain storm is curl up on a couch with a good book. The worst is to run outside to clean out a plugged gutter. Here's how to prepare for rain.

  • Why is the American Flag at Half Staff?
    4

    Why is the American Flag at Half Staff?

    5 years ago

    What is the origin of flying the American flag at half staff? When is the flag flown at half staff? How should the flag be flown at half staff? What about state flags?

  • Best Florida Fishing Piers
    4

    Best Florida Fishing Piers

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  • Cheap iPhone Plans
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    Cheap iPhone Plans

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    Despite the difficult economic times, people are spending more and more on their mobile phones. One of the principal drivers of the trend towards higher mobile phone bills is the popular iPhone. Luckily, iPhone costs can be lowered using a prepaid plan from Virgin Mobile or Cricket.

  • Why Easy Payment Plans Are a Bad Deal
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    Why Easy Payment Plans Are a Bad Deal

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    We’ve all heard the siren song of easy payment plans, which lure us into purchasing too much stuff at too high prices. This is why easy payment plans are a bad deal.

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    Review of Core ETFs from iShares

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    The iShares “core” series of ETFs is a powerful new investment tool for individual investors. By buying as few as three ETFs within this series, investors can build a well-diversified portfolio with exposure to U.S. stocks, international stocks and U.S. bonds. The “core” series of ETFs have...

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    Save Money on Car Rentals Using Priceline and Hotwire

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    Savvy travelers get the best prices on car rentals by using the opaque shopping options offered by Priceline and Hotwire. Here is how you can also enjoy the best prices without wasting time.

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    Average Investment Returns are Great!

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    In our society, being "average" gets a bum rap. Yet most investors would enjoy higher returns if they stopped trying to beat the market, but simply decided to invest in low-cost mutual funds or ETFs with returns matching the market's average.

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    Day Trip from San Diego

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    If you are one of the millions of people lucky enough to visit San Diego, all you need is two hours to take a scenic round-trip cruise across San Diego harbor to visit the fairy-tale community of Coronado.

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    7

    Collectible Investments

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    Many of us own collectibles. At one time, you were sure they'd turn into gold if you waited long enough. Now, you're not sure. Should you keep them, or sell them to make a few bucks?

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    Weekend Getaway Ideas

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    Kid-Friendly Activities at Your Local Cemetery

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    Design Patents

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    Three of the six Apple patents violated by Samsung are design patents rather than the more common utility patents. Most people are not familiar with this form of intellectual property. What are some examples of designs that can be protected by design patents?

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    10 Signs of Weight Gain

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    Fixed Annuities for Early Retirement

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    Increase Investment Income Using Covered Calls

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    5

    Get a Quality Patent for a Reasonable Cost

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    Definition of Patent

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    How and Why to Use a Copyright Notice

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    Things You Can and Can't Copyright

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    How to Submit New Product Ideas

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    Using a Gold ETF

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    U.S. Patent Law

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    7

    How to Calculate Retirement Income

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    6

    Defined Benefit Plan vs. Defined Contribution Plan

    5 years ago

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  • How to Estimate Retirement Expenses
    6

    How to Estimate Retirement Expenses

    5 years ago

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  • What Percent of Retirement Funds Should Be in Bonds?
    2

    What Percent of Retirement Funds Should Be in Bonds?

    5 years ago

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    2

    How to Do a Patent Search

    5 years ago

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    5

    How to Estimate the Value of a Patent

    5 years ago

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    More Things to Do in Venice, Florida

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    Venice is a vacation and retirement community located directly on the Gulf of Mexico on the west coast of Florida. It is a laid-back community without the hustle-and-bustle of southeast Florida. It has white sand beaches, miles of hike & bike trails, and a gorgeous historic downtown with more than...

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    Things to Do in Venice, Florida

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    How Much Are Super Bowl Tickets 2013?

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    Prepare for a Busy Hurricane Season

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    You Can Still Get Tickets for the 2012 London Olympics. But There’s A Catch

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    How Much is 1 GB of Shared Data for a Cell Phone?

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    Menu of the London 2012 Olympic Games

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    The overwhelming majority of us cannot attend the London 2012 Olympic Games in person. It’s too far away, or expensive, or both. But that doesn’t mean we can’t enjoy an Olympics TV-watching party featuring an authentic menu with some of the same food and drinks being served at the Olympics.

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    10 Investments with High Yields

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    How Much Are Olympic Tickets?

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    How to Fight Inflation

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    Making Financial Decisions

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    Personal Business Travel

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    Why We Buy Overpriced Products

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    There are some things for which we routinely overpay. Oddly enough, we are often happy to pay way too much for these purchases because they fill an important (and unmet) emotional or physical need. Once we understand how marketers exploit these needs, we can learn to counteract them and pay less.

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    Obamacare Will Provide Health Security, Unless Romney and Ryan Kill It

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    Do HubScores Accurately Predict Earnings?

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    In the HubPages community, HubScores represent the quality of individual hubs. Are HubScores also good predictors of the earnings you can expect to receive from your hubs? An easy-to-use statistical tool indicates that my HubScores have only a very weak correlation with my earnings. Thus, while...

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    Save Money on Online Purchases with Upromise

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    10 Ways to Save at Starbucks

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    Are You Still on Track for Retirement?

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    Why Newspapers Will Thrive

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    Use an Antenna and Ditch Cable to Watch TV for Free and Save on DVR Costs

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    How Much Should Parents Pay for College?

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    How to Protect Your Retirement

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    Quiz: How Does Your Family's Spending Compare to the National Average?

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    Retire Early by Living Below Your Means

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    Part-Time Jobs for Retirees

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    Buy the Least Expensive Cell Phone Minutes from TracFone

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    How to Find the Perfect Place to Retire

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    20 Reasons to Use Credit Cards Instead of Debit Cards

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    Save Money by Walking Instead of Driving

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    How to Find Retirement Money and Pensions from a Former Employer

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    Tips to Invest Better

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    10 Reasons Why Now Is a Good Time to Quit Your Job and Enjoy Life

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    Retirees Can Pay No Income Tax on Long-Term Capital Gains

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    Will Early Retirees Win or Lose if Mitt Romney Wins?

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    Increase Retirement Income Using Income Replacement Funds

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    How Much Do You Need to Retire?

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    The commonly accepted rule says a retiree needs to replace a certain percentage of his pre-retirement income to retire comfortably. This rule is likely to lead savers to delay retirement beyond the point where they could generate enough income to retire comfortably. A better rule would focus on...

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